In a small skillet, cook beef over medium heat until no longer pink; crumble beef; drain. Stir in water and taco seasoning. Bring to a boil; cook and stir for 2 minutes. Cool.
In a small bowl, mash avocado with onion, garlic and lemon juice. In each of four 1-qt. wide-mouth canning jars, divide and layer ingredients in the following order: Sour cream, salsa, beef, tomatoes, olives, cucumber, green onions, avocado mixture, cheese and lettuce. Cover and refrigerate until serving. To serve, transfer salads into bowls; toss to combine. If desired, serve with tortilla chips.